specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Tink
providerId: tink-com
created: '2026-05-25'
modified: '2026-05-25'
reconciled: false
tags:
  - FinOps
  - Cost Management
  - FOCUS
  - Open Banking
  - PSD2
description: >
  FOCUS-aligned FinOps definition for Tink's Open Banking and Payment
  Initiation services. Tink bills on a contract basis per product with a
  mix of per-call, per-active-user, and per-report metering depending on
  the contracted product. No public per-unit rate card.
sources:
  - https://tink.com/pricing/
  - https://docs.tink.com/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Tink (Visa)
serviceCategory: Open Banking
billingModel:
  pricingCategory: Contract
  billingFrequency: Monthly
  billingCurrency: EUR
  chargeCategories:
    - Usage
    - Subscription
    - Tax
    - Adjustment
  primaryUnit: report
  secondaryUnits:
    - api_call
    - active_user
    - payment
focusColumns:
  ServiceName: Tink API
  ServiceCategory: Open Banking
  ProviderName: Tink
  PublisherName: Tink (Visa)
  InvoiceIssuerName: Tink AB
  PricingCategory: Contract
  PricingUnit: report
  BillingCurrency: EUR
meters:
  - name: account_check_reports
    unit: report
    aggregation: count
    dimensions:
      - market
      - tier
  - name: business_account_check_reports
    unit: report
    aggregation: count
    dimensions:
      - market
  - name: income_check_reports
    unit: report
    aggregation: count
    dimensions:
      - market
  - name: expense_check_reports
    unit: report
    aggregation: count
    dimensions:
      - market
  - name: risk_insights_reports
    unit: report
    aggregation: count
    dimensions:
      - market
  - name: pis_payments_initiated
    unit: payment
    aggregation: count
    dimensions:
      - market
      - currency
      - payment_type
  - name: pis_payments_executed
    unit: payment
    aggregation: count
    dimensions:
      - market
      - currency
  - name: refunds_initiated
    unit: refund
    aggregation: count
    dimensions:
      - market
      - currency
  - name: active_users_continuous_access
    unit: active_user
    aggregation: count
    dimensions:
      - market
      - product
  - name: data_api_requests
    unit: api_call
    aggregation: count
    dimensions:
      - endpoint
      - market
costAttribution:
  - tag: provider_consent_id
    description: Trace cost back to the bank consent used to fetch data.
  - tag: external_user_id
    description: Trace cost back to the partner's end user.
  - tag: market
    description: Trace cost by market (PSD2 country code).
  - tag: product
    description: Trace cost by Tink product (Account Check, Transactions, Risk Insights, Payments, etc.).
notes:
  - Tink does not expose a real-time cost API; invoices are reconciled monthly.
  - Plans, rate limits, and finops files for Tink are marked unreconciled because per-unit pricing is not publicly disclosed.